I had put off going in for months because I assumed it would feel grim. It was a jewellers. They weighed everything in front of me, explained the two options, and I was out in fifteen minutes.
CClaire · Hove
102 George Street, Hove · Est. 1984
Your gold is your
credit rating.
Cash in about fifteen minutes against jewellery, watches, diamonds and more. No credit check. Nothing on your credit file. Your item back, unchanged, the day you repay.
Authorised and regulated by the Financial Conduct Authority · FRN 741658
40+
Years in Sussex
£10 – £100k
Loan range
15 min
Typical valuation
6
Shops across the county
Zero
Credit checks, ever
Why the three golden balls
The oldest form of lending in the world. Still the fairest.
Three gilded balls have hung outside pawnbrokers since the Medici bankers of Lombardy. They are a promise, not a logo: bring us something you own, and you can borrow against it without anyone asking who you are, what you earn, or what happened last time.
A pawn loan is secured on the item itself. There is no credit search, so nothing touches your file and nothing follows you around. If life gets in the way and you cannot repay, we sell the item and that is the end of it. No debt collectors. No spiral. No letters. And if it sells for more than you owe, the surplus is yours by law.
That is what forty years on Sussex high streets has taught us. Most people who walk through our door are not in trouble. They are cash flow managing, bridging a gap, buying a van, covering a tax bill. They just want it handled quietly and quickly by someone who knows what they are holding.
We are a jeweller first. There is a workshop on the premises at Hove and forty years of
trade knowledge behind the counter. That is why our valuations tend to be higher than the
gold weight alone. We look for what a piece is actually worth, not just what it melts down to.
The counter, before you leave the house
Find out what it is worth
in about ten seconds.
Real market maths, not a lead form. Choose what you have and we will show you the range our Hove counter would work within today. Bring it in and we will confirm it properly, free, with no obligation to go ahead.
Metal
Hallmark
Weight18.0g
1g200g
Not sure of the weight? A wedding band is roughly 4–6g, a curb chain 20–60g, a sovereign 8g. Bring it in and we will weigh it in front of you.
Make
Condition
Watches are the one thing where the spread is enormous. A reference number and a service history can move the number by thousands, so treat this as a starting point only.
Centre stone1.00ct
0.20ct3.00ct
Colour & clarity
We are registered valuers and grade stones on the premises. If you have no certificate we will grade it for you while you wait.
What is it?
Condition
We take far more than jewellery. If it holds value and we can store it safely, we will look at it, including vehicles, which stay under cover in our secure unit.
Indicative loan advance
£0
Indicative only and not an offer of credit. Figures are generated from today's metal market and typical trade values, before we have seen the item. Your actual figure depends on hallmark, condition, provenance and current demand, and is confirmed in store.
Four doors, one counter
Pick the one that suits you.
You can change your mind.
| What matters to you | Pawn it Most popular | Sell it | Buy Back | Currency |
|---|---|---|---|---|
| You keep the item | Yes, held insured and returned on repayment | No, it becomes ours | Yes, buy it back at an agreed price | Not applicable |
| Cash today | Yes, usually within 15 minutes | Yes, highest amount of the four | Yes | Yes, over the counter |
| Credit check | None | None | None | None |
| Effect on your credit file | None whatsoever | None | None | None |
| If you cannot repay | We sell the item. Any surplus over what you owe is paid to you. No further debt. | Nothing to repay | The option simply lapses | Nothing to repay |
| Typical amount | £10 to £100,000 | Highest, the full trade value | Similar to a pawn advance | No commission, any amount |
| Best when | You want the item back and need cash for weeks or months | It sits in a drawer and you would rather have the money | You want a simpler agreement over a short window | You are travelling and want a fair rate |
You are never locked in. Plenty of customers come in to pawn, hear the sale figure, and take that instead. We will tell you which one leaves you better off.
Start to finish
Four steps. Usually
under twenty minutes.
01
Bring it in
Walk into 102 George Street with the item and photo ID. No appointment, no forms in advance, no explaining yourself. If it is a vehicle, call first and we will arrange collection.
02
We value it, free
On our own scales and under our own loupe, in front of you. We will tell you what it is worth, what we would lend, and what we would pay outright, so you can compare.
03
You take the cash
Cash or same day bank transfer. You get a credit agreement setting out exactly what you owe and when, with no arrangement fee, no storage charge and no early repayment penalty.
04
You come back for it
Repay whenever suits inside the six month term, in person or over the phone. You pay interest only for the months you actually used. Then your item is handed straight back.
Valuing
Paying out
Handing it back
No small print
Every number, before you
agree to anything.
Most lenders make you sign before they show you the total. Here it is up front. Move the slider and watch exactly what a loan costs across the six month term.
Amount you want to borrow£500
£50£10,000
How long until you redeem it
Interest over 1 month
£20
Total to redeem
£520
Representative APR
60.1%
- No arrangement fee, no storage fee, no valuation fee.
- Redeem early and you pay only for the months you used.
- Interest is charged on the amount borrowed. It does not compound.
- Need longer? Pay the interest and renew for another term.
Month 1£520
Month 2£540
Month 3£560
Month 4£580
Month 5£600
Month 6£620
And if you cannot pay? Nothing bad happens to you. Where the loan is over £75
we sell the item, take what you owe, and pay you every penny of the surplus. Below £75 the item
becomes ours. Either way there is no further debt, no collection agency and no mark on your file.
Tell us early and we will almost always find a way to extend.
Illustration based on 4.0% per month on the sum advanced over a six month agreement, representative APR 60.1%. Your actual rate is confirmed in store and set out in your credit agreement before you sign. Credit is subject to status. Think carefully before securing debts against your possessions.
If it holds value, bring it
More than a jewellery shop.
Gold & silverScrap, broken, hallmarked or not. Priced by weight against the live market.
Luxury watchesRolex, Omega, Cartier, Breitling, Tudor. Authenticated on site.
Diamonds & gemsCertificated or loose. We grade in store and buy at trade rates.
Fine jewelleryAntique, signed, estate. Valued as a piece, not as scrap.
Cars & motorbikesStored under cover, insured, in our secure unit. Call before you come.
ElectricalsMacBooks, phones, cameras, consoles. Boxed is better but not essential.
InstrumentsGuitars, brass, DJ and studio gear. We know what a good one is.
Sound & visionHi-fi, speakers, amplifiers, projectors and separates.
Your shop
Hove
A proper high street jeweller in the middle of George Street, with a repair workshop on the premises and the exclusive designs of Douglas Newman in the window.
Monday9.30am – 5pm
Tuesday9.30am – 5pm
Wednesday9.30am – 5pm
Thursday9.30am – 5pm
Friday9.30am – 5pm
Saturday9.30am – 5pm
SundayClosed
Address
102 George Street
Hove, East Sussex
BN3 3YE
Get in touch
- Jewellery and watch repairs in our own workshop, not sent away
- Bureau de change with no commission
- Insurance and probate valuations by registered valuers
- Two minutes from Hove station, buses stop on George Street
The other side of the counter
Buy from us, at the price
the trade pays.
Everything in our window came through our own door and was checked by our own workshop. Certificated diamonds, luxury watches, and secondhand fine jewellery at a fraction of retail.
From the George Street counter
Quietly, and without fuss.
Took my grandfather's Omega in expecting scrap value. They knew the calibre, knew the reference, and offered nearly four times what a gold buyer online had quoted me.
MMartin · Portslade
Self employed, so a bank was never going to help me bridge a quiet month. Pawned a chain, paid it back six weeks later, got the chain back. Did that three times now.
DDanny · Brighton
The things people worry about
Straight answers.
No. A pawn loan is secured entirely on the item, so we do not run a credit search and we do not
report to credit reference agencies. Nothing appears on your file, whether you repay or not.
It is invisible to future lenders, landlords and mortgage brokers.
Talk to us first. In most cases we will simply extend the agreement once the interest is paid.
If you still cannot redeem, we sell the item. On loans over £75 we must, by law, pay you any
surplus over what you owed, and we do. There is no further debt, nobody chases you, and it does
not go anywhere near your credit file.
It is logged, photographed, sealed and stored in our safe, fully insured for the whole term.
Jewellery is never worn, cleaned or altered. Vehicles are kept under cover in a secure unit.
You get it back in exactly the condition you handed it over.
Never. We do not ask, and it makes no difference to the figure. We do need photo ID and proof
of address, because we are regulated and because it protects everyone from handling stolen goods,
but the reason is your business.
Typically between 55% and 75% of what we could realistically sell it for. The gap is not a trick,
it is the margin that lets us carry the risk of the market moving and still hand your item back
rather than sell it. If you would rather have the full figure, sell it to us outright instead.
Yes. Single earrings, snapped chains, bent rings, dental gold, all of it. Unhallmarked pieces
are acid or XRF tested in front of you so you can see the carat for yourself. We pay against
the live market price that day, not a fixed rate card.
Yes, for jewellery and watches. Start online, post it insured through our tracked service, and
we will call you with a figure before anything is agreed. If you say no, we send it straight back
at our own cost.
We are authorised and regulated by the Financial Conduct Authority under reference FRN 741658
and we are members of the National Pawnbrokers Association. You can check both on their public
registers. Every loan comes with a regulated credit agreement setting out your rights.
No obligation, no cost
Reserve fifteen minutes
at the Hove counter.
Tell us roughly what you have and when suits. We will confirm by phone, put a valuer aside for you, and have the figure ready when you walk in. You are free to walk straight back out again.
Or walk in
102 George Street
Hove BN3 3YE